Owner-Occupied Real Estate Purchase
Purchase the building your business occupies, including land and property improvements.
SBA 7(a) real estate financing
SBA 7(a) Real Estate Loans
Purchase owner-occupied commercial real estate through the SBA 7(a) program, with pari passu structures available up to $10 million and 100% financing options for qualified transactions.
Program overview
Real estate purchased entirely through SBA 7(a)
SBA 7(a) can finance the purchase of owner-occupied commercial real estate on its own, without pairing it with a separate program or second loan. For larger transactions, we structure pari passu financing within the 7(a) request itself — a bank facility sharing equal lien position with the SBA-guaranteed portion — extending total financing up to $10 million. Depending on the transaction and your qualifications, 100% financing may be available, reducing or eliminating the down payment typically required for a real estate purchase.
What This Program Offers
Pari Passu Structure to $10MM
Extend total financing beyond the standard cap through a pari passu structure within the 7(a) request.
100% Financing Options
Qualified transactions may be eligible for financing up to 100% of the project cost.
Real Estate + Business Assets
Combine the property purchase with equipment or working capital within the same request.
Refinance Existing Real Estate Debt
Refinance an existing owner-occupied property loan through SBA 7(a).
Our role
Structuring the full financing package within SBA 7(a).
Transaction review
We evaluate the property, purchase price, and financing need up front.
Deal structuring
We structure the request, including any pari passu component, entirely within SBA 7(a).
Lender matching
We place the request with a lender experienced in 7(a) real estate transactions.
Through closing
We stay engaged through underwriting, appraisal, and closing.